Why a Major Insurer Won’t Cover Urban Arrow Cargo Bikes Anymore

Urban arrow Cargo Bikes Face Insurance Restrictions Amidst theft Surge

Owners of Urban Arrow electric cargo bikes in several cities are facing new challenges as insurers tighten their policies due to rising theft rates. Enra, a major bicycle insurer, announced on February 27, 2025, that it would restrict new insurance policies for these bikes in twelve cities where theft is particularly rampant. This decision highlights the increasing vulnerability of high-value e-bikes and the steps insurers are taking to mitigate their losses.The impact is most pronounced in major urban centers, where demand for sustainable transportation clashes with the risk of theft.

Enra Halts New Policies in Theft Hotspots

Enra’s decision affects potential new customers in Amsterdam, Utrecht, The Hague, Eindhoven, Leiden, Haarlem, voorschoten, Heerlen, Hilversum, Voorburg, Heemstede, and Burgh-Haamstede. Existing customers are spared, as Enra confirmed thay can renew their current policies. However, the move signals a significant shift in the insurance landscape for cargo bikes.

According to a spokesperson for Enra, the escalating theft numbers are the primary driver behind this change. “Those cargo bikes are stolen so often,” the spokesperson stated. “If we continue to insure them, the premiums have to be raised for all customers, so also for customers without a cargo bike. We don’t want that.” This quote highlights the insurer’s concern about spreading the financial burden of cargo bike theft across its entire customer base.

Rising Premiums and the Quest for Prevention

The insurer’s decision underscores the financial strain caused by the frequent theft of Urban Arrow bikes. While Enra has not disclosed specific theft statistics, the high cost of these vehicles—ranging from approximately €3,500 to over €6,000—makes them attractive targets for thieves.Even with built-in track and trace systems, many stolen bikes are never recovered, adding to the insurers’ losses.

Improved theft prevention measures are crucial to reversing this trend. Ideas to improve security are:

• Enhanced Locking Systems: Investing in high-quality,certified bike locks.
• Secure Storage: Utilizing secure bike storage facilities or parking garages whenever possible.
• GPS Tracking: Ensuring that tracking systems are active and regularly maintained.
• Community Awareness: participating in local bike watch programs to increase vigilance.

Fatbikes Face Similar Insurance Challenges

Urban Arrow cargo bikes aren’t the only type of bicycle facing insurance headwinds. Fatbikes, known for their distinctive tires and rugged design, are also becoming increasingly difficult to insure. As of September 2023, major insurers like Allianz, ANWB, ASR, Centraal Beheer, and Interpolis no longer offer new policies for fatbikes. According to a spokesperson for the ANWB, “Nine out of ten fatbikes is stolen”. (September 2023)

The Broader Impact on E-bike Insurance

The changes in insurance policies for both Urban Arrow cargo bikes and fatbikes reflect a broader trend in the e-bike market. as e-bikes become more popular and more expensive, they also become more attractive to thieves. Insurers are responding by tightening their coverage and increasing premiums, leaving bike owners to shoulder a greater share of the risk.

The exit of HEMA from non-life insurance,including cycling insurance,further limits the options available to e-bike owners. While ANWB still insures Urban Arrow bikes, they implemented stricter rules two years ago, requiring a certified tracking system for coverage. It remains uncertain whether ANWB will further restrict its policies.

Protecting Your investment: Practical Steps for Cargo Bike Owners

Protecting your expensive cargo bike goes beyond basic insurance. Here are some practical steps for keeping your bike safe:

• Invest in a High-Quality Lock: Opt for a lock with Sold Secure Gold or Diamond rating, known for their robust resistance to cutting and picking.
• Register Your Bike: Register your bike with an official registry like Bike Index or your local police department. This increases the chances of recovery if stolen.
• Park Strategically: Park your bike in well-lit, high-traffic areas. Avoid leaving it in the same spot for extended periods.
• Consider a Smart Bike Alarm: Install a GPS-enabled alarm system that alerts you and tracks the bike’s location in case of theft.
• Remove temptation: Take removable batteries and displays with you when parking your e-bike to deter thieves.

Conclusion: Navigating the Changing landscape

The evolving insurance landscape for Urban Arrow cargo bikes and other e-bikes presents both challenges and opportunities. While increased theft rates have led to stricter insurance policies,bike owners can take proactive steps to protect their investments. By implementing enhanced security measures and staying informed about insurance options,owners can continue to enjoy the benefits of cargo bikes while mitigating the risk of theft. As sustainability efforts increase across urban centers, protecting this form of transportation is essential to building a stronger community.

Are you considering purchasing or already own an Urban Arrow cargo bike? Take action today! research the latest insurance options, invest in robust security measures, and connect with local cycling communities to stay informed and protected.

Is Enra offering any discounts or incentives for Urban Arrow owners who implement theft-deterrent measures?

Urban Arrow Cargo Bikes: A Conversation with Enra’s insurance Expert

Introduction

In light of Enra’s recent announcement to restrict new insurance policies for Urban Arrow electric cargo bikes in theft hotspots, Archyde sat down with Marlene Jansen, Enra’s Senior Insurance Specialist, to discuss the implications of this decision and the future of cargo bike insurance.

enra’s decision: A Necessary shift

Archyde (A): marlene, can you tell our readers why Enra has decided to halt new policies for Urban Arrow cargo bikes in certain cities?

Marlene Jansen (MJ): Of course. The primary reason is the escalating theft rates we’ve seen in thes areas. We’ve reached a point where we need to protect our existing customers and ensure the sustainability of our insurance offerings. Continuing to insure these bikes at the current rate would lead to increased premiums for all our customers, which we want to avoid.

Impact on Urban Arrow Owners and Potential Buyers

A: How will this decision affect current Urban Arrow owners and those considering purchasing one?

MJ: Existing customers can still renew their policies, so there’s no immediate impact on them. However, potential new customers in the affected cities will need to explore alternative insurance options. We encourage them to look into other providers and consider investing in robust security measures to mitigate their risk.

Preventing Theft: A Collective Effort

A: What steps can Urban Arrow owners take to protect their bikes and help reduce theft?

MJ: There are several steps owners can take. investing in high-quality locks, using secure storage facilities, maintaining active GPS tracking, and participating in local bike watch programs can all help deter theft. We also recommend removing any removable parts when parking the bike.

Fatbikes: A Similar Story

A: We’ve seen similar insurance challenges for fatbikes.Can you comment on this trend?

MJ: Yes, fatbikes are also becoming increasingly arduous to insure due to high theft rates. Major insurers have started to pull back from offering new policies for these bikes as well. It’s a trend we’re watching closely, as it reflects a broader shift in the e-bike market.

The Future of E-bike Insurance

A: What can we expect from the e-bike insurance landscape in the coming years?

MJ: I think we’ll see continued tightening of policies and increased premiums as e-bikes become more popular and expensive. Insurers will need to balance the risk with the benefits of e-bike ownership. It’s crucial for bike owners to stay informed, invest in security, and consider community efforts to combat theft.

Conclusion: navigating the Changing Landscape

A: Marlene, thank you for your insights.Any final advice for Urban Arrow owners and potential buyers?

MJ: Stay informed, invest in security, and engage with your local cycling community. By working together, we can protect our investments and ensure the sustainability of cargo bikes as a viable, eco-amiable transportation option.